Follow VHDA

Quick Start

Let us help you determine which VHDA loan products might best fit your situation. Answer the questions below, and we'll help you choose the programs that work best for you. For help or additional information about a question, click on its caption.

* Required fields

Name: If you wish to have your name appear on a VHDA Eligibility Certificate (if your information meets requirements), enter your name here. [Click to Hide]
* County or City in which you plan to purchase or refinance: Select the locality in which you plan to purchase or refinance a home. VHDA's Sales Price and Income Limits can vary by County/City, so this information is necessary to check eligibility. [Click to Hide]
* Loan Purpose: Indicate the reason you are interested in obtaining a home loan. Available loan products can vary based on whether the loan will be used for purchase or refinance. [Click to Hide]	Purchase Refinance
* Construction Type: Indicate whether the home would be New Construction or an Existing home. [Click to Hide]	New Existing
* Have you owned a home in the previous 3 years? Indicate whether you or any of the prospective borrowers have owned a home in the past 3 years. Note that VHDA's first-time homebuyer programs require no previous homeownership for three years. [Click to Hide]	Yes No
* Sales Price / Appraised Value: If this loan would be used for home purchase, indicate the purchase price. If you do not have a particular home in mind, enter an estimated value here. [Click to Hide]
* Loan Amount: Enter the loan amount for the home you are considering. Available loan products can vary by loan amount. [Click to Hide]
* Gross Annual Income For All Borrowers: Enter the Total Gross Annual Income for all borrowers (income before taxes and deductions). [Click to Hide]
Gross Annual Other Household Income: Enter the Annual Income for all non-borrowing household members that will live in the home. (income before taxes and deductions). This may include a child's income, etc. [Click to Hide]
* Number of Household Members: Indicate the total number of people who will occupy the home.